Let me tell you a liitle story about how great they are. Their so great at helping you out, that i decided to let my house go. Every year around August we start to fall behind. Usually only a month. Last year in February we filled out their loan modification packet and sent it in.All we wanted to do was change our due date and see about lowering our monthly payment. They of course said NO to both requests. At the same time we used part of our income tax return to catch up. We received a letter from them 2 months later saying we did not qualify... read full review »